Neural Networks and Rules-based Systems used to Find Rational and Scientific Correlations between being Here and Now with Afterlife Conditions
February 17, 2026
Neural Networks and Rules-based Systems used to Find Rational and
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This article assessed credit utilization among arable farmers in Kwara state, Nigeria and its influence on farm income. The data analyzed were collected from 100 farmers purposively sampled. Despite an average of 11years experience, 47% of the farmers have not benefited from agricultural credit. Average income per hectare for farmers who were able to access funds for their farm business was higher (N52,000/$325) than for those who did not (N35,430/$221) however, average loan granted (N55,550/$347)was lower than applied for (N77,900/$486). Lack of collateral was a major limitation for sourcing for credit. Factors determining farmers’ decision to use credit included household size, use of hired labour, cooperatives participation, awareness of credit sources, past loan size, possession of collateral and proximity to the credit lending institution. Policies and programmes directed at enhancing these factors will increase farmers’ decision to use agricultural credit.
Agbede C O. 2015. \u201cAn Analysis of Credit Utilization and Farm Income of Arable Crop Farmers in Kwara State, Nigeria\u201d. Global Journal of Science Frontier Research - D: Agriculture & Veterinary GJSFR-D Volume 14 (GJSFR Volume 14 Issue D10): .
Crossref Journal DOI 10.17406/GJSFR
Print ISSN 0975-5896
e-ISSN 2249-4626
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Neural Networks and Rules-based Systems used to Find Rational and
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This article assessed credit utilization among arable farmers in Kwara state, Nigeria and its influence on farm income. The data analyzed were collected from 100 farmers purposively sampled. Despite an average of 11years experience, 47% of the farmers have not benefited from agricultural credit. Average income per hectare for farmers who were able to access funds for their farm business was higher (N52,000/$325) than for those who did not (N35,430/$221) however, average loan granted (N55,550/$347)was lower than applied for (N77,900/$486). Lack of collateral was a major limitation for sourcing for credit. Factors determining farmers’ decision to use credit included household size, use of hired labour, cooperatives participation, awareness of credit sources, past loan size, possession of collateral and proximity to the credit lending institution. Policies and programmes directed at enhancing these factors will increase farmers’ decision to use agricultural credit.
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